Term Life Insurance Quote Process
The following series of pages will walk you through the process of getting a term life insurance quote, selecting an insurance company and policy, applying for the policy and completing the policy process with QuickQuote.
QuickQuote has created a simple, anonymous term life insurance quote questionnaire. No personally identifiable or medical history information is required to obtain a quote. Our Quote Questionnaire empowers users to choose their appropriate rating class by providing a
rating class guide for reference. Users can also view specific insurance company underwriting guidelines by clicking the "Do I Qualify?" link next to each quote. Of course, our Licensed Insurance Professionals are also available to assist customers with obtaining quotes.
Below is a step by step analysis of our term life insurance Quote Questionnaire.
Step 1: Applicant Information
State: Your state of residence is required to receive a term life insurance quote. Some insurance companies do not offer insurance in certain states, and rates may differ by state. If your state is not in the drop down list it is because QuickQuote does not currently have any term life insurance products for your state.
Gender: Most states use different rates for males and females. Additionally, there are different height / weight requirements based on gender.
Date of Birth: The insured's age is an important factor in determining a term life insurance premium. Some companies quote by a process called
Age Nearest Birthday, which makes it very important to enter the exact date of birth.
Height and Weight: Your height/weight will be used by our quoting system to determine your
rating class. Height/weight requirements vary by company, so you may get Preferred rate quotes from one company and Standard rate quotes from another.
Tobacco Use: This is another important factor in determining your
rating class.
It is important to enter the correct time frame for your last tobacco/nicotine use (this includes nicotine patches, gum, etc.). Round down when selecting the time frame (for example, for no usage in the last 2 years and 3 months, select the 'None in the last 2 years' option). Tobacco/Nicotine use guidelines vary by insurance company, so you may get Non-Tobacco rate quotes from one company and Tobacco rate quotes from another.
Step 2: Quote Specific Information
Rating Class:(definition) Your rating class determines the premium rate for your life insurance policy. Preferred Plus has the lowest premium rates while Standard rates are usually the most expensive (Substandard or Table rates are lower than Standard, but not quoted on the Web site). To assist you in determining your rating class, we have created a
rating class chart that lists various guidelines to follow. Clicking on "Need help?" will launch a rating class estimator. This will provide you with a short, general questionnaire that will estimate your most likely term life insurance rating class.
Coverage Amount:(definition) This is the amount of life insurance coverage the quoting system will return premium rate quotes for. The more coverage requested, the higher the premium rates will be. To help determine the amount of coverage needed, you can use QuickQuote's
term life insurance estimator.
Length of Coverage:(definition) This is the term of the life insurance policy you will receive premium rate quotes for. This is displayed in years, such as 10, 20, etc. The longer the length of coverage, the higher the premium rates will be.
Premium Payment Mode:(definition) This determines how often you will make life insurance premium payments to the insurance company. Available options are annual, semi-annual, quarterly and monthly, with annual the least expensive option as shown
here.
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Term Life Insurance Quote now.
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